Motorhome Insurance refunds ?

I think that that is very high, however, that may be because you take many of their extras as well, which will greatly affect the cost. Try quotiva (a comparison site) as it always a good idea to try shopping around.

I was obviously aware of that, but hopefully it won't be too long before I can use it so it won't be too long before I re-insure it.

You can ask the company to reduce the cover to theft and accidental damage rather than leave it uninsured assuming the company will accept this. Do be aware though that if they charge for any change to the policy that may wipe out any saving.

From an insurers point of view it is almost impossible to calculate any saving due to the lock down. The reduction in claims is a fact but for how long it will last and to what level the saving will be is impossible to forecast so any reduction has to be a guess for them.

With cars the problem is different as it is impossible for them to judge the level of reduction. Cars are still out there, and those who are still working will be clocking up a far higher mileage than those who are not. Without asking everyone what they are doing, they simply do not know.